{"id":323357,"date":"2025-11-12T10:03:40","date_gmt":"2025-11-12T15:03:40","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=112012"},"modified":"2025-11-12T10:03:40","modified_gmt":"2025-11-12T15:03:40","slug":"best-in-virginia","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/","title":{"rendered":"The Best Homeowners Insurance Companies in Virginia"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"review\" title=\"The Best Homeowners Insurance Companies in Virginia Review\"><\/span>\n    \n\n\n<p>Homeowners insurance in Virginia remains comparatively affordable in 2025: recent analyses place the average premium roughly in the mid-$1,400s per year for $250,000 in dwelling coverage and around the mid-$1,600s to low-$1,700s for $300,000 \u2014 below the U.S. average in the low-to-mid $2,000s. We evaluated providers with significant Virginia market share and compared customer service, financial strength, coverage, pricing, discounts, and endorsements using sources such as J.D. Power, AM Best, and insurer materials.<\/p>\n\n\n\n<p>From this analysis, State Farm, Allstate and Farmers Insurance continue to stand out on a national level, while Chubb and Auto-Owners are strong options for specific needs in Virginia. State Farm often leads for many profiles thanks to competitive pricing, useful discounts, and strong customer support.\u00a0<\/p>\n\n\n\n<p>Keep in mind that we chose these top providers based on Reviews.com\u2019s in-depth methodology plus multi-source rate benchmarks and third-party scores. Ultimately, the best homeowners insurance company will be different for every individual, based on your specific coverage needs and budget \u2014 and with double-digit premium increases across 2024\u20132025, it\u2019s wise to compare multiple quotes and revisit your policy at renewal.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 5 Best Homeowners Insurance Companies in Virginia<\/h2>\n\n\n\n<ul><li><a href=\"#state-farm\">State Farm<\/a><\/li><li><a href=\"#chubb\">Chubb<\/a><\/li><li><a href=\"#allstate\">Allstate<\/a><\/li><li><a href=\"#auto-owners\">Auto-Owners Insurance<\/a><\/li><li><a href=\"#farmers\">Farmers Insurance<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"chart\" title=\"Comparison Chart\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare Virginia\u2019s Top Insurance Companies<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Premium*<\/strong><\/td><td><a class=\"achor-toggles\" href=\"https:\/\/www.ambest.com\/ratings\/guide.html\"><strong>AM Best Financial Strength Rating<\/strong><\/a><\/td><td><strong><a class=\"achor-toggles\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-home-insurance-study\">J.D. Power<\/a> Overall Customer Satisfaction Rating**<\/strong><\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>$1,173&nbsp;<\/td><td>A++<\/td><td>835<\/td><\/tr><tr><td><strong>Chubb<\/strong><\/td><td>$1,598<\/td><td>A++<\/td><td>801<\/td><\/tr><tr><td><strong>Allstate<\/strong><\/td><td>$1,465&nbsp;<\/td><td>A+<\/td><td>829<\/td><\/tr><tr><td><strong>Auto-Owners Insurance<\/strong><\/td><td>$1,028&nbsp;<\/td><td>A++<\/td><td>831<\/td><\/tr><tr><td><strong>Farmers Insurance<\/strong><\/td><td>$1,884<\/td><td>A<\/td><td>813<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Information current as of 2025; averages and third-party ratings are subject to change.<\/p>\n\n\n\n<p>*Rates vary by coverage and profile; historical figures referenced from <a href=\"https:\/\/www.coverage.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Coverage.com<\/a>. Get personalized quotes to confirm your price.<\/p>\n\n\n\n<p>**Based on a 1,000-point scale.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best1\" title=\"Best Web Experience\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"state-farm\">State Farm<\/h2>\n\n\n\n<p>State Farm reports strong customer satisfaction, competitive pricing for many profiles, and solid coverage options. For those new to homeownership, its Simple Insights resources can help you understand how to insure your home and belongings.<\/p>\n\n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Web Experience<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Providing a high-quality customer experience is only one of State Farm\u2019s strengths. The company also offers a variety of online tools and digital resources geared toward first-time home insurance buyers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3.75<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Providing a high-quality customer experience is only one of State Farm\u2019s strengths. The company also offers a variety of online tools and digital resources geared toward first-time home insurance buyers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>19,000+ agents nationally<\/li>\n                            <li>Excellent web presence<\/li>\n                            <li>Financially strong<\/li>\n                            <li>Informative blog<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher premiums for some homeowners<\/li>\n                                    <li>Limited discounts<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Impact-resistant roof discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fire, smoke, or burglar alarms discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple policy discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">State Farm\u2019s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company\u2019s app.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power U.S. Home Insurance Study; scores are reported on a 1,000-point scale<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on State Farm:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/state-farm-review\/\">State Farm Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/geico-vs-state-farm\/\">Geico vs. State Farm<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/state-farm-review\/\">State Farm Auto Insurance Review<\/a>&nbsp;<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best2\" title=\"Best for High-Value Homes\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"chubb\">Chubb<\/h2>\n\n\n\n<p>Chubb takes homeowners insurance to the next level by providing a variety of services and perks you may not find anywhere else. If you\u2019re insuring a home with expensive upgrades, contents that need extra coverage, or if you\u2019re insuring a second vacation home, Chubb might also be a good option for you.<\/p>\n\n\n                                                \n\n\n<section id=\"chubb\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Chubb<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for High-Value Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Chubb has excellent customer service, great financial strength and unique policies for customers with a high net worth. Although the premiums tend to be expensive, these unique perks may be worth the higher cost for some homeowners.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?refer=Homeowners_NJ_Chubb&#038;rvitemid=337968-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3.75<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">801*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Chubb has excellent customer service, great financial strength and unique policies for customers with a high net worth. Although the premiums tend to be expensive, these unique perks may be worth the higher cost for some homeowners.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Cash settlement option available after a claim<\/li>\n                            <li>High customer satisfaction ratings<\/li>\n                            <li>Homeowners insurance policies geared towards more expensive homes<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Independent agent required to purchase a policy<\/li>\n                                    <li>More expensive premiums than average<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claims-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gated community discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In-house caretaker, or 24\/7 security services discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy discounts<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Chubb understands the special needs of more affluent homeowners. Besides the coverages for higher-value homes, the insurer provides special \u201cwhite glove\u201d services, such as assigning you a property manager to handle your vacation home\u2019s claim in-person on your behalf if you\u2019re unable to travel.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power U.S. Home Insurance Study; scores are reported on a 1,000-point scale<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"best3\" title=\"Best for New Homebuyers\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"allstate\">Allstate<\/h2>\n\n\n\n<p>Allstate\u2019s strength is the breadth of optional coverages and discounts, which makes it easier to tailor a policy to your circumstances. Its website and digital tools offer extensive guidance and account management.<\/p>\n\n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homebuyers<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts add up to lower premiums, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs, especially new home buyers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s discounts add up to lower premiums, making the company a good choice for anyone who\u2019s looking to save a few dollars on their premium costs, especially new home buyers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Above-average customer service ratings<\/li>\n                            <li>Diverse discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Does not offer guaranteed or extended replacement cost coverage<\/li>\n                                    <li><a href=\"https:\/\/content.naic.org\/cis_consumer_information.htm\">NAIC complaint index<\/a> is higher than average<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Anti-theft device or fire alarm discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic payment discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Early signing discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homebuyer discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Responsible payer discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Welcome and loyalty discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Allstate\u2019s discount list is longer than most national insurers. <\/span><span style=\"font-weight: 400;\">You could save up to 10% on your premiums if you sign up for your new policy at least seven days before the current one expires.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power U.S. Home Insurance Study; scores are reported on a 1,000-point scale<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Allstate:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/allstate-review\/\">Allstate Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/allstate-review\/\">Allstate Renters Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/allstate-review\/\">Allstate Auto Insurance Review<\/a>&nbsp;<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best4\" title=\"Best for Unique Add-ons\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"auto\">Auto-Owners Insurance<\/h2>\n\n\n\n<p>If you prefer working with a local agent and phone support rather than a fully digital experience, Auto-Owners can be a good fit. It doesn\u2019t provide online quotes, and digital claims tools are limited, but the company is known for strong agent service and claims satisfaction.<\/p>\n\n\n                                                \n\n\n<section id=\"auto-owners\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Auto-Owners<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Unique Add-ons<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers a variety of add-on coverages for homeowners who want to customize a policy that meets their specific needs. Its rates are the lowest on our list and homeowners can access discounts to get an even lower premium.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=337424-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">4<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">831*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Auto-Owners offers a variety of add-on coverages for homeowners who want to customize a policy that meets their specific needs. Its rates are the lowest on our list and homeowners can access discounts to get an even lower premium.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Excellent customer service<\/li>\n                            <li>High claims satisfaction scores<\/li>\n                            <li>Special discounts and unique add-ons<\/li>\n                            <li>High financial strength rating from AM Best<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Not rated by all credit agencies<\/li>\n                                    <li>Not many online tools<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available<\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Advance quote discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic backup generator discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Favorable loss history discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mortgage-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multi-policy discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paperless billing discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay in full discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay on-time discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective devices discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Water shut-off system discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Auto-Owners offers many discounts, some that are hard to find from other insurance companies.<\/span> <span style=\"font-weight: 400;\">These include an automatic backup generator discount, a water shut-off system discount, a mortgage-free discount, and a favorable loss history discount.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power U.S. Home Insurance Study; scores are reported on a 1,000-point scale<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Auto-Owners:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/auto-owners-review\/\">Auto-Owners auto insurance review<\/a><\/li><li><a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/auto-owners-review\/\">Auto-Owners home insurance review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"best5\" title=\"Best Pricing Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\" id=\"farmers\"><strong>Farmers<\/strong><\/h2>\n\n\n\n<p>Farmers offers a tiered coverage approach (standard, enhanced, and premier). Within those tiers, you can further customize your policy for higher-value items like electronics or jewelry.<\/p>\n\n\n                                                \n\n\n<section id=\"farmers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Farmers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best Pricing Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> Why we chose it<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                We like the fact that Farmers offers multiple tiers of coverage, so you only have to pay for the coverage you truly need. Even at the lowest level, you can choose higher coverage limits for specific items, making your policy one of a kind.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=317128-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">3.5<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Reviews Score\n                                                    <span class=\"tooltip-content\">Score is based on company&#8217;s customer experience, financial stability, and coverage options.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">813*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                We like the fact that Farmers offers multiple tiers of coverage, so you only have to pay for the coverage you truly need. Even at the lowest level, you can choose higher coverage limits for specific items, making your policy one of a kind.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Bundling discounts<\/li>\n                            <li>Identity theft coverage available<\/li>\n                            <li>Three tiers of coverage<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher-than-average annual premiums<\/li>\n                                    <li>Slightly below-average J.D. Power customer satisfaction score<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">Discounts available <\/h4>\n                <div> <ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Affinity group discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Automatic payment discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Claim-free discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Connected home discount (select states)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">ePolicy discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fortified home discount (select states)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gated community discount (select states)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Good payer discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Green certification discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Home safety discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Multiple policies discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">New home discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Protective device discounts<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Rent to own discount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Retirement community discount (select states)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">UL-approved roofing materials discount<\/span><\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">Unique features<\/h4>\n                <div> <p><span style=\"font-weight: 400;\">Farmers\u2019 three coverage tiers \u2014 standard, enhanced, and premier \u2014 let you pick the best coverage based on your needs.<\/span><span style=\"font-weight: 400;\"> The highest level, premier, includes replacement cost coverage with 100% reimbursement regardless of policy limits.<\/span><\/p>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p>*J.D. Power U.S. Home Insurance Study; scores are reported on a 1,000-point scale<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Further Reading on Farmers:<\/h4>\n\n\n\n<ul><li><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/farmers-review\/\">Farmers Homeowners Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/renters\/farmers-review\/\">Farmers Renters Insurance Review<\/a> <\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/farmers-insurance-review\/\">Farmers Auto Insurance Review<\/a><\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"average\" title=\"Average Cost of Homeowners Insurance in Virginia\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Average Cost of Homeowners Insurance in Virginia<\/h2>\n\n\n\n<p>Recent analyses estimate the average cost of homeowners insurance in Virginia at roughly the mid-$1,400s per year for a policy with $250,000 in dwelling coverage, and around the mid-$1,600s to low-$1,700s for $300,000 in dwelling coverage. This is below the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/homeowners-insurance-cost\/\">national average in the low-to-mid $2,000s<\/a>. Your actual premium can be higher or lower based on your location, home characteristics, coverage selections, and discounts; coastal ZIP codes and higher rebuild costs generally push premiums upward.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"add\" title=\"Home Insurance Add-Ons That Will Further Protect You \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Home Insurance Add-Ons That Will Further Protect You\u00a0<\/h2>\n\n\n\n<p>Virginia is susceptible to flooding, and standard homeowners insurance excludes flood. Purchasing a <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flood insurance policy<\/a> \u2014 through the National Flood Insurance Program (NFIP) or a private carrier \u2014 may be prudent, especially in coastal and tidal river areas. Under NFIP\u2019s Risk Rating 2.0, mitigation steps like elevating equipment, adding compliant flood openings, or elevating the structure can help reduce premiums.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"cheap1\" title=\"The Cheapest Homeowner Insurance Companies in Virginia\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Cheapest Homeowner Insurance Companies in Virginia<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Largest Companies by Market Share in Virginia<\/strong><\/td><td><strong>Average Annual Premium<\/strong><\/td><\/tr><tr><td><strong>Cincinnati Ins Co<\/strong><\/td><td>$609<\/td><\/tr><tr><td><strong>ALFA Insurance<\/strong><\/td><td>$743<\/td><\/tr><tr><td><strong>Virginia Farm Bureau Mut Ins Co<\/strong><\/td><td>$780<\/td><\/tr><tr><td><strong>Donegal Mut Ins Co<\/strong><\/td><td>$921<\/td><\/tr><tr><td><strong>Mercury Insurance<\/strong><\/td><td>$962<\/td><\/tr><tr><td><strong>Auto-Owners Insurance<\/strong><\/td><td>$1,028<\/td><\/tr><tr><td><strong>Progressive<\/strong><\/td><td>$1,030<\/td><\/tr><tr><td><strong>State Farm<\/strong><\/td><td>$1,173<\/td><\/tr><tr><td><strong>Occidental Fire &amp; Cas Co Of NC<\/strong><\/td><td>$1,380<\/td><\/tr><tr><td><strong>Allstate<\/strong><\/td><td>$1,465<\/td><\/tr><tr><td><strong>Chubb<\/strong><\/td><td>$1,598<\/td><\/tr><tr><td><strong>Farmers Insurance<\/strong><\/td><td>$1,884<\/td><\/tr><tr><td><strong>Encompass<\/strong><\/td><td>$3,338<\/td><\/tr><tr><td><strong>Liberty Mutual<\/strong><\/td><td>$3,488<\/td><\/tr><tr><td><strong>First Liberty Ins Corp<\/strong><\/td><td>$3,599<\/td><\/tr><tr><td><strong>Safeco<\/strong><\/td><td>$4,390<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"age\" title=\"Cost of Homeowners Insurance by Age of Home \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Cost of Homeowners Insurance by Age of Home&nbsp;<\/h2>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Age of Home (years)<\/strong><\/td><td><strong>Sample Annual Premium&nbsp;<\/strong><\/td><\/tr><tr><td><strong>5<\/strong><\/td><td>$2,056<\/td><\/tr><tr><td><strong>20<\/strong><\/td><td>$2,598<\/td><\/tr><tr><td><strong>35<\/strong><\/td><td>$2,839<\/td><\/tr><tr><td><strong>50<\/strong><\/td><td>$2,787<\/td><\/tr><tr><td><strong>Average Across Ages<\/strong><\/td><td>$2,570<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n            <span class=\"b-toc-anchor\" id=\"top1\" title=\"Top 3 Cheapest Homeowners Insurance Companies in Virginia\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Virginia<\/h2>\n\n\n\n<ul><li><strong>Cincinnati Insurance Company:<\/strong> varies by profile and coverage\u00a0<\/li><li><strong>ALFA Insurance:<\/strong> varies by profile and coverage<\/li><li><strong>Virginia Farm Bureau Mutual Insurance Company:<\/strong> varies by profile and coverage<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"top2\" title=\"Top 3 Most Expensive Homeowners Insurance Companies in Virginia\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Virginia<\/h2>\n\n\n\n<ul><li><strong>Safeco: <\/strong>varies by ZIP code and coverage<\/li><li><strong>First Liberty Insurance Corporation: <\/strong>varies by ZIP code and coverage<\/li><li><strong>Liberty Mutual:<\/strong> varies by ZIP code and coverage<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"help\" title=\"Helpful Resources for Virginia Homeowners\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Helpful Resources for Virginia Homeowners<\/h2>\n\n\n\n<p>The Virginia Bureau of Insurance provides up-to-date consumer guidance for homeowners, including shopping tips, coverage explanations, and how to work with your insurer. If you want to educate yourself on how home insurance works in this state, you can check out its <a href=\"https:\/\/www.scc.virginia.gov\/pages\/Homeowners-Insurance\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">articles and resources<\/a>, including information about your rights when working with a home insurance company. If what you are looking for is information about <a href=\"https:\/\/www.hopb.co\/virginia#:~:text=Most%20homeowners'%20associations%20and%20condominiums,both%20unincorporated%20and%20incorporated%20associations.&amp;text=Virginia%20Horizontal%20Property%20Act%20(Title,established%20before%20July%201%2C%201974.\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">laws, regulations and resources<\/a> for homeowners insurance in Virginia, the Homeowners Protection Bureau website is a useful source.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.hud.gov\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">The Department of Housing and Urban Development<\/a> offers additional resources for Virginia homeowners, including help for home repairs, foreclosure avoidance, utility assistance, and more.&nbsp;<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Homeowners Insurance FAQ \"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Homeowners Insurance FAQ\u00a0<\/h2>\n\n\n<div id=\"block_617b0f133929b\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Virginia?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Homeowners insurance is not legally required in Virginia. If you have a mortgage, insuring your home may be part of your lender\u2019s terms.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_617b0f253929c\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the cheapest homeowners insurance in Virginia?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Per our research, Cincinnati Insurance Company had the cheapest homeowners insurance in Virginia\u2014followed by Progressive and State Farm. The smartest way to find out the best value for your coverage is by <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/\"><span style=\"font-weight: 400;\">comparing quotes<\/span><\/a><span style=\"font-weight: 400;\"> from the companies you\u2019re interested in.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"meth\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Rate benchmarks were drawn from recent multi-source analyses (including Bankrate, NerdWallet, Policygenius) and historical <a href=\"https:\/\/www.coverage.com\/\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">Coverage.com<\/a> datasets. We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies in Virginia across the board, we then calculated a Reviews.com score based on the following:<\/p>\n\n\n\n<ul><li><strong>Customer Ratings:<\/strong> Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.<\/li><li><strong>Coverage:<\/strong> As there isn\u2019t one company to fit everyone\u2019s needs, we evaluated companies by the amount of coverage options and add-ons available.\u00a0<\/li><li><strong>Confidence:<\/strong> It is extremely important for insurance companies to fulfill customers\u2019 claims. Companies with a history of sound financial strength may be less likely to have issues paying out claims. We measured this using AM Best\u2019s ratings, which specializes in assessing the financial strength of insurance companies.<\/li><li><strong>Customer Experience:<\/strong> The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.<\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Homeowners insurance in Virginia remains comparatively affordable in 2025: recent analyses place the average premium roughly in the mid-$1,400s per year for $250,000 in dwelling coverage and around the mid-$1,600s to low-$1,700s for $300,000 \u2014 below the U.S. average in the low-to-mid $2,000s. We evaluated providers with significant Virginia market share and compared customer service, [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":354555,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Virgina Homeowners Insurance Companies of 2021 | Reviews.com<\/title>\n<meta name=\"description\" content=\"The best homeowners insurance companies to protect your Virginia home are State Farm, USAA, Allstate, Travelers, and Nationwide.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Best Virgina Homeowners Insurance Companies of 2021 | Reviews.com\" \/>\n<meta property=\"og:description\" content=\"The best homeowners insurance companies to protect your Virginia home are State Farm, USAA, Allstate, Travelers, and Nationwide.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/\" \/>\n<meta property=\"og:site_name\" content=\"Reviews.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Reviewscom\/\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-113659407.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1440\" \/>\n\t<meta property=\"og:image:height\" content=\"960\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@Reviews\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.reviews.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Insurance\",\"item\":\"https:\/\/www.reviews.com\/insurance\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Homeowners\",\"item\":\"https:\/\/www.reviews.com\/insurance\/homeowners\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"The Best Homeowners Insurance Companies in Virginia\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.reviews.com\/#website\",\"url\":\"https:\/\/www.reviews.com\/\",\"name\":\"Reviews.com\",\"description\":\"Your Guide to the Best Services\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.reviews.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Best Virgina Homeowners Insurance Companies of 2021 | Reviews.com","description":"The best homeowners insurance companies to protect your Virginia home are State Farm, USAA, Allstate, Travelers, and Nationwide.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/","og_locale":"en_US","og_type":"article","og_title":"Best Virgina Homeowners Insurance Companies of 2021 | Reviews.com","og_description":"The best homeowners insurance companies to protect your Virginia home are State Farm, USAA, Allstate, Travelers, and Nationwide.","og_url":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/","og_site_name":"Reviews.com","article_publisher":"https:\/\/www.facebook.com\/Reviewscom\/","og_image":[{"width":1440,"height":960,"url":"https:\/\/www.reviews.com\/wp-content\/uploads\/2020\/09\/GettyImages-113659407.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@Reviews","twitter_misc":{"Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"BreadcrumbList","@id":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-virginia\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.reviews.com\/"},{"@type":"ListItem","position":2,"name":"Insurance","item":"https:\/\/www.reviews.com\/insurance\/"},{"@type":"ListItem","position":3,"name":"Homeowners","item":"https:\/\/www.reviews.com\/insurance\/homeowners\/"},{"@type":"ListItem","position":4,"name":"The Best Homeowners Insurance Companies in Virginia"}]},{"@type":"WebSite","@id":"https:\/\/www.reviews.com\/#website","url":"https:\/\/www.reviews.com\/","name":"Reviews.com","description":"Your Guide to the Best Services","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.reviews.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"}]}},"_links":{"self":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323357"}],"collection":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/users\/345"}],"replies":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/comments?post=323357"}],"version-history":[{"count":0,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/323357\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/pages\/1691"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media\/354555"}],"wp:attachment":[{"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/media?parent=323357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/categories?post=323357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/tags?post=323357"},{"taxonomy":"post_author","embeddable":true,"href":"https:\/\/www.reviews.com\/wp-json\/wp\/v2\/post_author?post=323357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}